Securities Financing: Fund Deals Without Selling Your Stock
Tuesday, August 04
If you're a real estate investor sitting on a stock or crypto portfolio, you've probably run into this problem before. You need capital for your next deal, but your two obvious options both come with a cost. Sell the stock and you trigger a taxable event and give up all future upside on that posi...
The Buy, Borrow, Die Method: Getting Cash Without a Taxable Event
Tuesday, August 04
A lot of investors have appreciated stock or crypto sitting in their portfolio and only see one way to turn it into usable cash, sell it. The problem is that selling triggers a capital gain right away, and once you sell, you're out of the position for good. If that asset doubles again next year, ...
How Debt Consolidation Can Lower Your Hard Money Loan Rate
Wednesday, July 29
If you flip houses or do ground up construction, there's a common assumption that trips up a lot of investors: hard money lenders underwrite the deal and the property first, so credit must not matter. That assumption is wrong, and understanding why can be the difference between a deal that closes...
DSCR Loan Rates by Credit Score: The Pricing Ladder Explained
Wednesday, July 29
Most of us know DSCR loans qualify off the property's rental income rather than personal tax returns or DTI. That part gets talked about a lot on here. What gets talked about a lot less is what your credit score is actually doing in the background while that qualification happens. Short version: ...
The MCA Debt Stack Problem, How to Consolidate and Get Relief
Wednesday, July 22
A lot of investors and small business owners turn to merchant cash advances when a gap opens up between projects, whether that's covering payroll during a slow season, bridging a shortfall on a rehab, or keeping operations running while waiting on a bigger payout. One MCA is usually manageable. T...
The Real Numbers Behind How Debt Consolidation Moves Your FICO Score
Wednesday, July 22
If you're an investor carrying credit card debt from a rehab, a BRRRR deal, or just business expenses that ran hot, you've probably read that "debt consolidation helps your credit score." What you probably haven't seen is the actual mechanism, or real numbers. Here's the full picture, dip and gai...